In recent years, mobile payments in China have rapidly developed and popularized, deeply integrating into various fields of people's livelihood such as transportation, catering, shopping, healthcare, and education. They have played an important role in improving transaction efficiency, reducing transaction costs, and promoting financial inclusiveness. However, they have also replaced traditional payment methods such as bank cards and cash, bringing inconvenience to many foreign personnel coming to China for payment, and the inclusiveness of payment services needs to be improved. So how should foreigners handle mobile payments?

　　Apply for communication card

　　(1) Bring your passport or foreigner's permanent residence ID card to the business halls of telecommunications companies such as China Telecom, China Mobile, China Unicom, and China Radio and Television to apply for a mobile SIM card and activate mobile communication services.

　　(2) Mobile communication service packages typically include call time, data traffic, and more. Different operators will launch different packages according to customer needs, and users can choose the appropriate package according to their needs.

　　Applying for a bank card

　　(1) Bring your passport, foreigner's permanent residence ID card, and domestic mobile phone number to the business hall of a commercial bank for processing (specific requirements may vary for different commercial banks, please consult the customer manager of the business hall for details).

　　(2) Fill out the account opening application form to apply for a bank card.

　　(3) After receiving the bank card, promptly go to the ATM machine for password verification or modification. It is recommended to download the corresponding bank's online banking app when applying for a bank card.

　　(4) Properly protect your bank card to prevent loss, theft by others or criminals. If lost, it is necessary to report the loss to the corresponding bank in a timely manner.

　　Activate mobile payment

　　(1) Use your mobile phone to download and install WeChat or Alipay APP, register according to the APP guidelines, and enter information such as foreign or domestic mobile phone numbers.

　　(2) Open the app and bind international bank cards with logos such as Mastercard, Visa, JCB, Diners Club, and Discover; Or domestic bank cards with UnionPay logo.

　　(3) When making a payment, open the app and scan the merchant's payment QR code or present the payment QR code to the merchant.

　　Notes for binding international bank cards:

　　①The use of Alipay and Wechat to initiate the connection of international bank cards requires the authorization and consent of foreign issuers. Some issuers will refuse the binding request because the system cannot recognize the connection information. It is recommended to contact the customer service of issuers or use domestic bank cards instead.

　　②Use Alipay and WeChat to bind the international bank card to scan the code for payment. The single amount does not exceed 200 yuan, and users do not need to pay additional service charges; If the single transaction amount exceeds 200 RMB, users need to pay a service fee of 3% of the transaction amount.

　　③The consumption limit of Alipay and WeChat for binding international bank cards is no more than 50000 dollars per year, and no more than 5000 dollars per transaction. It is recommended that users bound to international bank cards use mobile payments in combination with application scenarios.

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